Backend Engineer(Pay for Business), Money Forward Kessai Ltd., Tokyo

“Money Forward Kessai” was established in March 2017 with the mission of making inter-company transactions safe and seamless, and the vision of becoming the payment infrastructure for inter-company transactions.

The company offers services such as "Money Forward Kakebarai*1" : the business-to-business deferred payment settlement service, "Money Forward Early Payment": the financing service where clients can receive early payment."Money Forward Transaction Finance for Startups": the accounts receivable early funding service, the funding service for startups.  "Money Forward Invoice Card Payment" : the invoice card payment service for businesses. These services have grown to handle a cumulative total of over 280 billion yen.*2

Additionally, Money Forward has been promoting cashless transactions through various payment methods such as cards and wallets, providing the cashless platform "Money Forward Pay for Business" to enhance back-office efficiency. As part of this platform, they offer the business card "Money Forward Business Card" for sole proprietors and corporations.

The Money Forward Group has been providing a wide range of financial services aimed at solving payment and cash flow issues for businesses. To offer better value in the area that combines SaaS and Fintech, we consolidated "Money Forward Pay for Business," into Money Forward Kessai in March 2025. *3

By consolidating the highly compatible financial businesses of the Money Forward Group into Money Forward Kessai, we are aiming to enhance efficient business operations and governance, while promoting agile and flexible business strategies, including obtaining necessary permits and licenses.

*1 The service names in this job posting reflect the changes made on December 1, 2024.
*2 Money Forward's Sustainability
*3 Announcement regarding the company split (simple absorption-type split) with a wholly-owned subsidiary
This position will be employed by Money Forward and be seconded to Money Forward Kessai.

You will be responsible for defining requirements, designing, implementing, releasing, and continuously improving the eKYC (electronic Know Your Customer) and AML (Anti-Money Laundering) platforms that support the Fintech area represented by "Money Forward Pay for Business."

Specific Tasks Includes….

• Developing API servers, web interfaces, and jobs using Ruby on Rails.
• Designing business workflows and implementing systems based on feedback from business operations.
• Optimizing and implementing UI/UX in collaboration with designers and users.
• Creating systems and processes for quick troubleshooting during operations.
• Potentially working with Go language development in the future (no current experience required).

• As a corporate engineer, this position offers the unique opportunity to develop internal-facing applications where your colleagues are the users, allowing you to deliver value directly to familiar faces. You will receive direct feedback and collaborate to create better solutions, making user control easier and enabling dynamic feature development.
• We actively adopt new features and technologies to enhance team productivity. Engineers are given significant autonomy, with comprehensive responsibility and freedom in technology selection and project decision-making. This role not only enhances engineering skills but also leadership and decision-making abilities.
• You will gain hybrid experience as both a SaaS engineer and a corporate engineer (DX engineer), working across teams to develop and operate optimal internal systems.

• Experience developing with Ruby on Rails.
• Interest in Golang.
• Experience using container technologies like Docker.

• Experience with long-term service operation using cloud platforms like AWS or GCP.
• Experience developing microservices.
• Experience in team development using Scrum.
• Experience in data engineering.
• Experience in development from 0 to 1 phase.
• Proven ability to lead cross-team collaboration for organizational problem-solving.
• Experience in AI development and/or experience in using AI tools to improve development processes.
  • Money Forward recently announced our AI Strategy roadmap which focuses on improving AI-driven operational efficiencies, as well as integrating AI agents into our products to deliver better value to our users. (More information here)

• Business-level Japanese proficiency (equivalent to JLPT N1).
• Basic-level English proficiency (equivalent to TOEIC score of 600 or higher)

We choose technologies with a focus on maximizing productivity and continuously providing value to users, considering both short-term and long-term perspectives. Here are some examples of our current technology stack:

• Languages/Frameworks: Ruby on Rails, Golang, TypeScript (React, Next.js)
• Cloud Infrastructure/Services: AWS (ECS, RDS, S3, SQS, etc.), GCP (Cloud Storage, Cloud Pub/Sub, etc.)
• Databases/Data Warehouses: MySQL, BigQuery
• Others: CircleCI, GitHub, GitHub Actions, Datadog, Terraform, Embulk, Slack

• Resonating strongly with the vision of the Money Forward Group.
• Understanding business domains abstractly and modeling problems.
• Having a basic understanding of agile development and test-driven development.
• Continuously learning and engaging with technology.
• Enjoying discovering challenges and involving others in solving them.

At Money Forward, we provide an environment where we can create world-class services together, and we are looking forward to welcoming you.

• Provided PC Specs: We provide PCs equipped with the latest CPUs (MacOS or Windows). Custom-made PCs tailored to business requirements and replacements with the latest OS are also possible.
• Systems to Enhance the Development Environment: Peripheral devices necessary for work (such as displays, mice, keyboards) can be purchased as office supplies. Generally, you can choose from standard products (catalog), and if conditions are met, you can apply for non-standard products as well.
• Money Forward Library: We have a library system where you can freely borrow books, ranging from technical books to management books. Desired books can be purchased at the company's expense.
• Referral Driven: We cover the cost of recruitment meals. There is a referral reward system.
• Conference Participation Support: The company partially covers participation in domestic and international conferences, such as RubyKaigi and Google I/O.